I filed a hail damage claim on my car, and my insurance agent made a check out to me and my lien holder. However, my lien holder won't endorse the check until all the damage is repaired. What shop is going to repair my car and wait a week to get paid for it? Many people have told me I can cash the check without the lien holders endorsement. Is this true? Do I have any options, besides paying for it myself, which I can not do? Thanks for your help.

Most all insurance companies issue a claim check payable to both you and your lien holder if your car is financed. This is because your lien holder has an interest in your vehicle and they do not want to sign it over of until they know the car has been repaired or else some people would just take the check, cash it and spend the money without getting the car repaired.

I suggest obtaining several estimates to repair your vehicle. Many body shops are familiar with the claims process and understand that your claim check may be issued to both you and your lien holder. The body shop you choose should be able to make arrangements with your lien holder to endorse the check. Most body shops that work with insurance companies are familiar about how checks are made out to both the car owner and lien holder and will know how to work with you on payment due to this situation.

You also have the option of speaking to your claims adjuster and explaining your predicament. It is possible that they have an alternative solution.

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